Is your college grad struggling with student loan debt?  Are you up to your eyeballs in repaying a parent loan? If so they're not alone.  The most recent statistics on student loan debt tell us the following: $1.28 trillion in total U.S. student loan debt 44.2 million Americans with student loan debt Student loan debt delinquency rate of 11.0% Average monthly student loan payment View Post

We are at the last "work day" of our No Spend Challenge!  You have been fantastic during this program and dedicated to improving not only your financial situation but your life. Today we are going to focus on positive money habits that are tied to your particular Personality Types and Emotional Motivators. Some of the positive money habits will be the same, and some will be different.  The View Post

Meeting your needs is at the core of most successful spending plans or budgets because it ensures your healthy relationship with money. Personally, I love the concept of a “Spending Plan”.  Why?  Because a spending plan allows you to see the consequences of your spending before it happens.  By planning your monthly expense before it happens, you eliminate the vagueness of planning without one and View Post

For better or for worse, for richer or for poorer.  So goes the wedding vows many people make, and although the words are spoken, couples hope they don't end up with the latter.  But when you've got one spouse who's a spender and another who's a saver, how do you end up ensuring you don't end up poorer? How do you get your spouse on board financially if he's off spending every penny you View Post

Have you ever participated in a spending freeze?  Are you intrigued? Or, does the thought of not spending money for any length of time send shivers up your spine? If you've ever considered a no spend challenge,  today I'm going to highlight the pros and cons of doing a spending freeze so you can determine if a halting your spending is right for you or not.  Harness up folks...here we go! Is A View Post

It's that time of year when we all starting thinking about resolutions. Resolutions are good things; the problem is in the implementation and follow-through.  Most of us make new year goals in two distinct areas; the first in health and the second with money. If you're thinking about creating some goals this year, I have a few strategies that just might help you keep to your financial View Post